Among the many resources available to you is Raymond James Trust N.A., a wholly owned subsidiary of Raymond James Financial. Our trust company currently manages more than $5.1 billion in assets for clients in most of the 50 states as well as in a number of foreign countries.

Under its federal charter, Raymond James Trust may act as trustee, custodian, agent to the trustee or personal representative/executor in a wide variety of trust and estate situations. In these roles, it offers estate settlement services to facilitate what is often a complex and technically demanding process.

Through the trust company, we offer a full array of trust structures, including charitable-giving tools that may also feature tax advantages. These include the Raymond James Charitable Endowment Fund, donor-advised funds, pooled income funds, charitable remainder trusts and charitable remainder annuity trusts.

Whether your goal is to minimize estate taxes, help ensure you have the funds you need down the road, provide for a loved one or spell out exactly how you want your wishes to be carried out, we can help.

With a dedicated trust officer on site, we can provide recommendations on trust design features for living revocable trusts, estate planning transactions that utilize trusts and for trusts that are created by testamentary documents. We assist with estate planning transaction design and implementation. A full range of personal trust and estate planning services – including custody and safekeeping, account management for estates and living trusts, irrevocable life insurance trusts, and estate settlement services – is available.

Wherever and however you see yourself enjoying your retirement, we can develop savings and distribution strategies to help ensure you enjoy it for a long time.

We can help you with every phase of planning for your retirement. During your working years, we’ll develop and monitor a wealth accumulation plan based on your specific goals and objectives. As you approach retirement, we’ll assist you with critical decisions regarding retirement plan options, Social Security and tax planning. Once you’re retired, we’ll determine tax-efficient income and wealth transfer strategies. LEARN MORE

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

We assist clients with all types of insurance, particularly life insurance and long-term care, offering an important layer of safety for you, your family, your business or your organization. Because insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan.

For example, we can help you build a protective cushion with life insurance, preserve your estate with long-term care insurance and combine protection and tax-advantaged growth opportunities with annuities.

You may be confident that you can fund a comfortable retirement, and still have money left over to leave an inheritance for family members or to provide a donation to a favorite charity or two. We can assist you with estate and legacy planning needs like these by helping you optimize your assets, potentially minimize tax implications and determine the course most appropriate to your situation, in addition to helping select effective vehicles to implement your plans.

Choosing the right lending program is as integral a part of the financial planning equation as investing. Through the services of Raymond James Bank, we can help you guide your decisions regarding financing needs with security-backed lines of credit and margin.^2,3

Before you make a large purchase, let’s talk about your financing options and how they can be a beneficial part of your overall long-term financial plan. Let us consult with you to help find well-suited solutions for:

• Renovating a home
• Paying for tuition
• Short-term bridge financing
• Planning a vacation of a lifetime
• Purchasing luxury items
• Taking advantage of a real estate opportunity
• Supporting a business
• Launching new business ventures
• Acting on an investment opportunity
• Consolidating debt
• Paying taxes¹

Securities Based Line of Credit (SBLC)^2,3 - Put the value of your investment accounts to work by increasing your borrowing power and accessing cash without disrupting your long-term financial strategy. Collateralized by one or more Raymond James accounts, this flexible line of credit lets you borrow money for a variety of purposes (except the purchase of securities). With highly competitive pricing, interest rates range from the LIBOR rate plus 2.25% to 6.00% depending on the market value of pledged assets. From finished application to funding, your request will take approximately three to five days to complete.

Margin² – A margin account allows you to access cash borrowed against pledged assets for any legal purpose through your Capital Access account.

1 Raymond James does not offer tax advice. Please consult your tax advisor for questions regarding your tax situation.

2 Margin or a Securities Based Line of Credit may not be suitable for all clients. The proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the margin call, and the firm can sell the client’s securities without contacting them. The interest rates charged for a Securities Based Line of Credit are determined by the market value of pledged assets and the net value of the client’s Capital Access account. The interest rates charged for Margin are determined by the amount borrowed. For additional information on margin, visit http://sec.gov/investor/pubs/margin.htm.

3 Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered national bank.

Through Raymond James, we offer ways to access your cash and earn interest on funds awaiting investment. Our cash management services include:

• Tax Planning; using lines of credit and loans based on your home equity^*
• Cash “sweep” to brokerage account
• Rewards program
• Online account access
• Check writing
• Overdraft protection
• Automatic payment/fund transfer
• Visa^® Debit Card
• Tax-exempt alternatives

^*Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance may be required. Call Raymond James Bank for rates and other information.

Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered savings bank. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.

Equal Housing Lender

If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop an education funding strategy. We can help you provide for this opportunity with investment vehicles such as Coverdell education savings accounts, 529 college savings accounts and specialized trust vehicles.

We appreciate the complexities and changing priorities of life. That’s why our expertise is grounded in three basic financial concepts most people go through: wealth accumulation, conservation and distribution.

Truly understanding what stage you’re at now and where you want to be is what drives our plan to help get you there. Once we develop your unique, comprehensive financial plan, we follow a disciplined process to help keep you on track to meet your goals.